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Evaluating Mortgages and Lenders

It’s not just about the products, it’s about people, too.

Learn about different types of mortgages and the professionals who can help you throughout the homebuying process.



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Finding the mortgage and lender to fit your unique needs and preferences



You have a lot of options when it comes to choosing a lender and mortgage that is right for you. This quiz may help you identify the factors — emotional or logistical — that may be the most important to you when it’s time to choose your lender. 

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Popular questions

What loan is best for me?

There are several factors that impact what loan might work best for you. Consider whether a fixed or adjustable interest rate might make sense, as well as how much you have available for a down payment. A home mortgage consultant can help you determine whether you qualify for specialty programs, such as a Veterans Affairs home loan.

Take our quiz to learn about loan types

See a list of mortgage types

What other costs are part of my mortgage?

Your monthly mortgage payment typically will include principal and interest on the mortgage, as well as homeowners insurance and property taxes if your mortgage payment includes escrow. Depending on your down payment and loan type, you may also have to pay private mortgage insurance as part of your monthly mortgage payment.

Watch a video on the components of a mortgage payment

Learn more about escrow

Who should I choose for my mortgage?

You have many choices for a home loan, including banks, credit unions, independent mortgage brokers, and online lenders. Each has certain benefits—understanding them may help you choose the lender that’s best for you.

Learn more about mortgage lender types

Who can help me find the right mortgage for me?

A home mortgage consultant can work on your behalf to find the right type of loan to fit your needs. They can help you through the process, from preapproval through loan approval.

Learn how to work effectively with a mortgage consultant

Find a home mortgage consultant in your area


More help for your journey


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Mastering the mortgage process

Being prepared may relieve concern about knowing what you need to do as you choose your home.

Learn more

Still have questions?

Call Us

New Loans

1-877-510-2079    
Mon – Fri: 7 am – 8 pm
Sat: 8 am – 6 pm
Central Time

Existing Loans

1-800-357-6675 
Mon – Fri: 6 am – 10 pm 
Sat: 8 am – 2 pm 
Central Time

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